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> unregulated money transfer services

I'm not gonna go so far as to leave a "username checks out" comment on HN, but are you joking/trolling, or just completely insane? Money transfer services are regulated for a reason, and that is to protect consumers from outright fraud and blatant fleecing. Why would you think "unregulated money transfer services" would be any better than regulated ones? I don't see any problem they're not solving currently that having a "freer" market would solve; in fact, quite the opposite seems to be the case.

antifragility. Regulation through a central authority can only make big mistakes, the harder it clamps down to avoid smaller mistakes, the bigger the mistakes that eventually get made. Much harder to learn when you have full control, etc.

If anything you need MORE regulation. To prevent services to impose their arbitrary rules via TOS.

coming to the banks you use pretty soon